Whether you have never written a check or you’re in need of a refresher, learn how to write a check and properly fill out each field. Understanding the basics of check writing is as easy as 1-2-3.
Before you get started, make sure to use a blue or black gel pen to keep the information clear and help protect yourself against fraud.
Add the date of when you wrote the check on the line at the top right-hand corner. This is important so the bank and the person you are giving the check to knows when you wrote it.
Find the “Pay to the order of” field and write the recipient’s full name. It’s important to write this clearly and accurately.
Use the small box to the right to indicate your payment amount in dollars and cents numerically (i.e. $130.45).
Write the payment amount in words on the line below the recipient’s name. This must match the numerical dollar amount you wrote in the box. However, be sure to write the cents amount as a fraction over 100 (i.e. 10 cents = 10/100)
Writing a memo is optional but helpful later to know what the check is for. For example, write “monthly rent” to help keep track of rent expenses. An image of the check is available in online and mobile banking. This is especially helpful during tax season.
Lastly, but most importantly, sign your name on the line at the bottom right-hand corner. Typically, a check cannot be deposited or cashed without your signature.
Keep track of your account balance to avoid bouncing a check and to avoid an overdraft fee. Best practice is to compare your checkbook register and bank account statement as well as any unlisted deposits and outstanding checking/withdrawals. If they match, your checking account is balanced.
If you’re 13 through 17 years old, we’ve got special account benefits and features just for you. A checking account is a great way to teach kids financial responsibility. You can open a Bank Smartly Checking account for a minor aged 13 through 17 if it is a joint account with an adult. You may do so together online or in a branch.
How do I void a check?
A voided check is used to set up direct deposits or bill pay. Simply write “VOID” across the pay to the order of line. Also, write “VOID” in the payment amount box and the signature box.
How do I write a check for cash?
You may want to write a check to yourself to withdraw cash from your bank account or transfer money between accounts. Simply write “Cash” in the pay to the order of line.
How old do I have to be to open an account?
You can apply for an individual bank account if you’re 18 years or older and a legal U.S. resident. You’ll need to provide your Social Security number and a valid, government-issued photo ID. Those aged 13 through 17 can open a joint account with a parent or guardian.
How do I set up direct deposit?
Set up direct deposit in three simple steps – our automated setup is fast, secure and gives you access to your money the same day.
Where can I find my routing number?
There are multiple places, including: the U.S. Bank Mobile App, online banking, your monthly statement, your checkbook and our routing number directory. The easiest way is to open the app and simply ask the U.S. Bank Smart Assistant, “What’s my routing number?”
How can I reorder checks?
Reordering checks couldn’t be easier. You can also customize your checks. There are multiple ways, including through: The U.S. Bank Mobile App, online banking, by phone or a branch.
How do I deposit a check?
With the U.S. Bank Mobile App, you can deposit a check anytime. Take a photo with your Smart Phone and upload it through the mobile app.
How do I safely deliver my check?
Always use your checks with people and organizations you trust. If mailing your check, deposit it in a secure mailbox inside a USPS facility.
What are some other tips for keeping my checks safe?
Get the latest information to help keep your finances secure.
Get more answers to other commonly asked questions
Learn more about account services, features and benefits on our Customer services page.
Start of disclosure contentDeposit products are offered by U.S. Bank National Association. Member FDIC.
Equal Housing Lender
By clicking Apply, you authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.
U.S. BankThis link takes you to an external website or app, which may have different privacy and security policies than U.S. Bank. We don't own or control the products, services or content found there.
Something went wrong. Please try again later.
Please enter valid email.
You have successfully opted-out.
Opt-out of Behavioral Advertising
We use tracking technologies, such as cookies, that gather information on our website. That information is used for a variety of purposes, such as to understand how visitors interact with our websites, or to serve advertisements on our websites or on other's websites. We also use email addresses to deliver behavioral advertising to you on third party platforms, such as social media sites, search results, and other's websites.
In addition to opting-out here, we also honor opt-out preference signals such as the Global Privacy Control. Note that due to technological limitations, if you visit our website from a different computer or device, clear cookies on your browser, or use multiple email addresses, you will need to opt-out again.
